Terms and Conditions

Owners of the Site

This web site is owned and operated by Riverside Insurance Agency Malta Limited for the purpose of providing regulated insurance products. If you have any questions about this site you can contact the webmaster by email [email protected].

Certificates of Insurance

You acknowledge that all certificates issued by this site are issued from Malta and are subject to regulation of Malta. Unless indicated at the time you purchase your insurance documents are only available in English.

Tax

Tax on annual policies is charged at the rate prevailing in the policyholder's country of residence at the time of purchase. Tax on Single Trips are issued under a Confirmation of Cover from Malta and charged at the prevailing rate. The tax is paid to the Insurer of the policy who then pays it to the relevant authority. The tax will be clearly identified on your documentation.

Payment

Payment can be authorised by credit or debit card and is required at the time you purchase the policy

Cooling off period & Cancellation

For further information about the cooling off period & cancellation please refer to the policy document that will/has been sent to you within the 'confirmation of cover' email.

Refunds

Refunds are only offered if the policy purchased contains a cancellation clause. Refunds are calculated in accordance with the policy terms and conditions and will be refunded to the card from which the original purchase was made within three working days of the cancellation being processed.

Changes to premiums

We reserve the right to change the premium charged for a policy at any time without notice. This does not affect customers who have already purchased a policy.

Correspondence

By using this site you acknowledge that our principal means of communication is via email and therefore it is incumbent on you to ensure that we have your current email address.